Excessive Online Security.

[Chekhov]

What is going on ?

 

I paid my VAT the other week, and the bank insisted on sending me a one time passcode (OTP) to authorise the payment....

Who the hell is going to use a fraudulent card to pay their VAT bill ? Or any other payment to the HMRC ?

How about, err, nobody ? 

I may have mentioned the above farce before, but I just logged on to Stripe (my business's payment provider) from a computer I do not usually use.

Just to clarify, nobody can transfer any money from my Stripe account to anywhere other than to my Stripe linked bank account (and to set that up is a huge amount of this kind of stuff, but it is actually understandable why that's necessary)

I had to :

1 - Put my E Mail and password in

2 - "Click this box to prove you are not a robot"

3 - Click which pictures have traffic lights in them (probably the most frustrating of all the security steps....)

4 - Then get a OTP sent through by text.

 

Over kill, and very annoying, particularly if one's phone reception is poor (as it is in my shop with its steel roof).

Edited August 11, 2023 by Chekhov

[alarmingmark]

You Don’t have that issue with cash !

[Bargepole23]

2 minutes ago, alarmingmark said:

You Don’t have that issue with cash !

What, paying VAT? 😀

[Prettytom]

Maybe the banks should offer an opt out.

 

Opt out of their sensible security measures and take your chances. No refunds, no compensation. All the customer’s fault.

 

I can’t see that being very popular.

[RollingJ]

12 minutes ago, Prettytom said:

Maybe the banks should offer an opt out.

 

Opt out of their sensible security measures and take your chances. No refunds, no compensation. All the customer’s fault.

 

I can’t see that being very popular.

Me neither, but some people...

[Chekhov]

3 hours ago, Prettytom said:

Maybe the banks should offer an opt out.

Opt out of their sensible security measures and take your chances. No refunds, no compensation. All the customer’s fault.

I can’t see that being very popular.

That's where you are wrong.

It's about appropriate security according to what you are wanting to do. You know, that word proportionate, which is so rarely applied these days. Everything these days is a soddin' over reaction.

The only thing I am really bothered about is people being able to transfer money out of my accounts. So, whist there should be a layer of security for every thing else, it doesn't have to be as awkward if all you want to do is check your balance, or transfer some money from one account to the other.

Similarly, I cannot see why anyone needs a "One Time Passcode" to pay HMRC as nobody would ever fraudulently pay them, nor just to transfer some money from my Stripe balance into my own (pre checked) bank account.

 

>>sensible security measures<<

 

Tell you what, Mr Clevercloggs, you explain to me who would pay their VAT to HMRC (or their PAYE or their personal tax) using someone else's card or bank account.

I have thought about this one than once and get the same answer everytime : nobody.

 

3 hours ago, RollingJ said:

Me neither, but some people...

See above.

Maybe you don't have a business to run and having to transfer money from one account to the other all the time ?

Edited August 10, 2023 by Chekhov

[Prettytom]

18 minutes ago, Chekhov said:

That's where you are wrong.

It's about appropriate security according to what you are wanting to do. You know, that word proportionate, which is so rarely applied these days. Everything these days is a soddin' over reaction.

The only thing I am really bothered about is people being able to transfer money out of my accounts. So, whist there should be a layer of security for every thing else, it doesn't have to be as awkward if all you want to do is check your balance, or transfer some money from one account to the other.

Similarly, I cannot see why anyone needs a "One Time Passcode" to pay HMRC as nobody would ever fraudulently pay them, nor just to transfer some money from my Stripe balance into my own (pre checked) bank account.

 

>>sensible security measures<<

 

Tell you what, Mr Clevercloggs, you explain to me who would pay their VAT to HMRC (or their PAYE or their personal tax) using someone else's card or bank account.

I have thought about this one than once and get the same answer everytime : nobody.

 

See above.

Maybe you don't have a business to run and having to transfer money from one account to the other all the time ?

Ask for an opt out then.

 

If you really are that daft.

[hackey lad]

4 hours ago, Chekhov said:

What is going on ?

 

I paid my VAT the other week, and the bank insisted on sending me a one time passcode (OTP) to authorise the payment....

Who the hell is going to use a nicked card to pay their VAT bill ? Or pretty much any other payment to the HMRC

How about, err, nobody ? 

I may have mentioned the above farce before, but I just logged on to Stripe (my business's payment provider) from a computer I do not usually use.

Just to clarify, nobody can transfer any money any where other than to my Stripe linked account (and to set that up is a huge amount of this kind of stuff, but it's actually understandable why that's necessary)

I had to :

1 - Put my E Mail and password in

2 - "Click this box to prove you are not a robot"

3 - Click which pictures have traffic lights in them (probably the most frustrating of all the security steps....)

4 - Then get a OTP sent through by text.

 

Over kill, and very annoying, particularly if one's phone reception is poor (as it is in my shop with its steel roof).

Oh my Lord , something else . 

[Prettytom]

1 hour ago, hackey lad said:

Oh my Lord , something else . 

I’m beginning to believe that Checkers is a Russian AI bot. Specifically designed to destroy Sheffield Forum 

[Mr Bloke]

6 minutes ago, Prettytom said:

I’m beginning to believe that Checkers is a Russian AI bot. Specifically designed to destroy Sheffield Forum 

Hmmm...

I think a few others have already beaten him to it!